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Exam Code: P3OF Practice test 2022 by Killexams.com team
P3OF Portfolio, Programme and Project Offices Foundation

Multiple choice examination questions
50 questions per paper with one mark available per question
40 minutes duration
30 marks required to pass (out of 50 available) – 60%
Closed book.

The P3O® certification scheme has been developed to offer two levels of certification, Foundation and Practitioner. AXELOS has accredited PeopleCert as our Examination Institute (EI) and PeopleCert then accredits a network of Accredited Training Organizations (ATOs), including their trainers and course material. The ATOs and accredited trainers offer P3O training courses and examinations.

The purpose of the Foundation certification is to confirm that you have sufficient knowledge and understanding of the P3O guidance to interact effectively with, or act as an informed member of, an office within a P3O model. The Foundation certification is a pre-requisite for the Practitioner certification.

The Portfolio, Programme and Project Offices (P3O®) guidance provides advice, supported by discussion and examples, on how to develop a governance structure that helps optimize an organizations investment in change alongside its Business as Usual work. P3O qualifications are currently offered are two levels: Foundation and Practitioner. The primary purpose of the syllabus is to provide a basis for accreditation of people involved with P3O. It documents the learning outcomes related to the use of P3O and describes the requirements a candidate is expected to fulfil in order to demonstrate that these learning outcomes have been achieved at each qualification level.
The target audience for this document is:
 test Board
 test Panel
 APMG Assessment Team
 Accredited Training Organizations
This syllabus informs the design of the exams and provides accredited training organizations with a breakdown of what the exams will assess. Details on the test structure and content are documented in the P3O Foundation and Practitioner Designs.

The purpose of the Foundation qualification is to confirm that a candidate has sufficient knowledge and understanding of the P3O guidance to interact effectively with, or act as an informed member of, an office within a P3

The candidate should understand the key principles and terminology within the P3O guidance. Specifically the candidate should understand the:
 High-level P3O model and its component offices
 Differences between Portfolio, Programme and Project Management
 Key functions and services of a P3O
 Reasons for establishing a P3O model
 Differences between types of P3O model and the factors that influence selection of the most appropriate model
 Processes to implement or re-energize a P3O
 Tools and techniques used by a P3O
 Purpose and major responsibilities of the defined roles

Level Topic
Key PPM definitions:
1. PPM
2. Portfolio, programme and project
3. Portfolio, programme and project management
4. Business as Usual
What a P3O is:
1. Definition of P3O
2. The potential elements of a P3O model and their definitions Understand key concepts relating to the Overview, Principles of a P3O model and its elements including the Introduction to P3O.
Specifically to identify:
Key concepts of a P3O:
1. The objectives of and differences between portfolios, programmes and projects
2. The objectives of and differences between portfolio, programme and project management and how they help to deliver change The organizational context of P3O:
1. The relationship between Business as Usual, change and PPM
2. How the elements of a P3O model align to portfolio, programme and project lifecycles
How a P3O provides a decision-enabling/deliverysupport model and how each P3O model element helps to deliver change What a P3O is:
1. The relationships between the elements in a P3O model and the organization
2. The objectives and key functions of each P3O model element

Portfolio, Programme and Project Offices Foundation
Exin Portfolio, thinking
Killexams : Exin Portfolio, thinking - BingNews https://killexams.com/pass4sure/exam-detail/P3OF Search results Killexams : Exin Portfolio, thinking - BingNews https://killexams.com/pass4sure/exam-detail/P3OF https://killexams.com/exam_list/Exin Killexams : Balancing Your Portfolio: How and When

Balancing your portfolio means constructing a portfolio that fits your individual risk tolerance and investment goals. But it isn't enough to just "set it and forget it." You also need to make sure your portfolio stays balanced, which is known as rebalancing.

Here's a quick summary of what investors should know about balancing and rebalancing an investment portfolio:

  • Balancing your portfolio ensures that you have a mix of investment assets -- usually stocks and bonds -- appropriate for your risk tolerance and investment goals.
  • Rebalancing your portfolio allows you to maintain your desired level of risk over time.
  • Portfolios naturally get out of balance as the prices of individual investments fluctuate over time.
  • You can rebalance your portfolio at predetermined time intervals or when your allocations have deviated a certain amount from your ideal portfolio mix.
  • Rebalancing can be done by either selling one investment and buying another or by allocating additional funds to either stocks or bonds.

With that in mind, what is the goal of balancing and rebalancing your portfolio, and why is it so important?

Why is balancing and rebalancing a portfolio so important?

The purpose of balancing a portfolio is to achieve your desired proportions of risk and return potential in your investment portfolio.

When you first design and commit funds to an investment strategy, that is known allocating your assets. As a simplified example, you may want to have 70% of your portfolio in stocks and 30% in bonds. When you initially fund your portfolio in this manner, it would be what you consider a balanced portfolio.

The problem is that, over time, these allocations in your portfolio don't stay the same. Let's say the stock market's value doubles in five years while the value of the bond market grows but not nearly as much. The value of the stocks in your portfolio would become much greater than the value of the bonds, which puts your investment portfolio significantly out of balance. 

You can and should rebalance your investment account to maintain a balanced portfolio over time. If your original risk tolerance spurred you to invest 70% of your money in stocks, then your rebalanced portfolio should be 70% stocks once again.

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How to rebalance your portfolio

How does portfolio rebalancing work? In a nutshell, rebalancing means selling one or more assets and using the proceeds to buy others in order to achieve your desired asset allocations. Continuing with the example above, you would either sell some of your stock investments and put the money into bonds or buy more bonds in order to realign your asset allocation with your risk tolerance.

Which of these options sounds more appealing to you?

  • Sell high-performing investments and buy lower-performing ones.
  • Allocate new money strategically. For example, if one stock has become overweighted in your portfolio, invest your new deposits into other stocks you like until your portfolio is balanced again.

You may prefer the second option because rebalancing in the "traditional" way -- without investing any additional money -- requires you to sell your highest-performing assets. We're generally fans of the second option since rebalancing by contributing new funds enables you to leave your winners alone to (hopefully) continue to outperform.

It's worth mentioning that if you invest through a robo-advisory service or an employer-sponsored retirement plan such as a 401(k), your portfolio may rebalance automatically. 

Determining how a balanced portfolio looks for you

Unfortunately, there's no perfect method of determining your ideal diversification in a balanced portfolio.

One method of determining the best asset allocation for you is called the Rule of 110. Subtract your age from 110 to determine what percentage of your portfolio should be allocated to stocks, with the remainder mostly in bonds. For example, if you are 39, so this means that about 71% of your portfolio should be in stocks, with the other 29% in bonds.

You can use this method, but it's also important to consider your individual situation. If you consider yourself to be a risk-tolerant person and short-term market fluctuations don't bother you, then your balanced portfolio could shift a bit in favor of stocks.

On the other hand, if stock market volatility keeps you up at night, then you can err on the side of caution by allocating more money to bonds or even to cash. A portfolio that is balanced for me may not be -- and is probably not -- balanced for you!

When should you rebalance your portfolio?

Once you've determined your target asset allocation and have created a balanced portfolio, the next logical question is, "When should I rebalance my portfolio?"

There are two general ways to approach rebalancing. You can either rebalance your portfolio at a specific time interval (say, yearly), or you can rebalance only when your portfolio becomes clearly unbalanced. There's no right or wrong method, but unless your portfolio's value is extremely volatile, rebalancing once or twice a year should be more than sufficient.

Related investing topics

One big advantage of portfolio rebalancing for long-term investors

When market values plunge, instinct tells us to sell our holdings before conditions get worse. And, when market values only seem to rise and "everyone" is making money, that's when we want to put our money into the market. This is human nature, but it is also the exact opposite of buying low and selling high.

Being essentially forced to sell high and buy low is one of the most significant benefits of maintaining a balanced portfolio over time. For example, if the stock market crashes and equities lose 30% of their value, then the bond allocation in your portfolio is likely to become too high. Restoring balance to your portfolio could involve selling some of your bond investments and buying stocks while they're cheap. Establishing a balanced portfolio and taking steps to keep it that way can help you to avoid relying too much on emotions when making important investment decisions.

The Motley Fool has a disclosure policy.
Thu, 12 Nov 2020 23:54:00 -0600 Matthew Frankel, CFP en text/html https://www.fool.com/investing/how-to-invest/balanced-portfolio/
Killexams : I've been thinking

The Universe is An Insane Place! To show how crazy it is, I will tell you an event that happened when I was in my twenties.

Am a male and almost 20 years ago I answered a share-the-ride-and-gas advert on Craigslist from Kelowna to Vancouver from a female who picked me up at a mall on the Kelowna side. All I had was munchies and drinks to share and my backpack.

We met and exchange initial pleasantries and I had a note of familiarity as if I had met her before. I made a verbal note to her and asked we had met before. She smiled and laughed but merely mentioned her first name and that we may have seen other around town. I didn’t push it any further so we got in the car after she mentioned she was in a hurry to get to a flight in order to get to her home country and a family celebration. She spoke almost perfect English with only a typical mainland Europe accent that I couldn’t quite place.

During the drive we shared a lot about ourselves personally but she didn't want to get into details of her current job so i didn't push it. I also showed her my mix CD’s and told her I was a metal fan to which she was really surprised at that, noting that she was a big fan herself. I played multiple CD’s on the drive and we headbanged all the way to Granville and 70th in Vancouver where I was going.

All the way there I was trying in my mind to recognize her but just couldn’t get it. Anyways, during the drive we talked about everything under the sun and kinda started to figure out we were open to meeting up again and I just gave her my phone number and email address.

She said she'd be back in Canada sometime soon and would love to meet up with me again. Seemed like she really meant it too when she dropped me off near a gas station at 70th n Granville.

No email after a few weeks so I forgot all about it until a few years later during a long vacation to Europe with some friends where we ended up at a major music festival in Germany.

I was STUNNED to see HER again in all her glory on stage fronting one of the biggest metal bands ever! What a total shock to see my Kelowna-to-YVR ride-share singing to 80,000+ people!

If you are a metal fan YOU KNOW HER NAME and her band! I wasn’t anywhere near the front of stage so there was no chance to get her to recognize me. She's still famous 20 years later!

That’s my story about meeting an angel and star in disguise!

Mon, 21 Nov 2022 10:00:00 -0600 en text/html https://www.straight.com/confessions/2211/ive-been-thinking
Killexams : 4 Steps to Building a Sustainable Portfolio

Katherine Lynch: As investors, it's important to know how the investments in our portfolios make an impact. One way to look at this is through the lens of climate change.

Carole Hodorowicz: Climate change has become one of the biggest systemic risks to the financial markets for investors. In 2021, the level of emissions, like carbon, have reached record highs. These emissions are causing global warming. 

Lynch: Many investors choose to build sustainable portfolios, or invest in companies that are helping solve environmental and social challenges. Building a sustainable portfolio can be overwhelming at first. Here are four steps investors can follow so they can make real changes with their portfolios. 

Hodorowicz: Step 1: Discover what sustainable investing means to you. What sustainable goals do you have? 

Lynch: Step 2: Understand what’s already in your portfolio. If you want to monitor your climate impact, you might want to ask yourself: Do the funds I invest in have holdings that ally with my desire to reduce carbon emissions? 

Hodorowicz: Step 3: Know what sustainable options are available to you. For example, if you’re looking for a hands-off approach, consider a passive sustainable fund.

Lynch: Step 4: Make a plan for transitioning your portfolio. There are several factors to keep in mind, such as your overall risk and return objectives and tax implications. Most investors benefit from taking a gradual approach. 

Hodorowicz: Still don’t know where to start? Go to Morningstar.com to explore our research, use our ESG screener to find investments that fit your needs, and more

Tue, 15 Nov 2022 13:33:00 -0600 en text/html https://www.morningstar.com/articles/1123644/4-steps-to-building-a-sustainable-portfolio
Killexams : Developing a portfolio strategy

Newton's cradle

We found an old children’s magnet game in a cupboard recently – the type that has all the little magnetic shapes to build different structures and connected chains. We reminisced about how we used to use the magnetic balls to repel other magnetic shapes away, and the satisfaction gained when two repelling magnets were forced together.

Developing a portfolio strategy can sometimes feel like this; like you have just been handed a bag of repelling magnets and asked to fit them all together. Despite this level of challenge, over the course of the last few years we have seen an incremental shift from a brand strategy approach, to a more holistic portfolio strategy approach across many pharma and biotech companies. This shift has fundamentally impacted notjust the way business units in pharma are now strategising, planning, executing and training, but also the structure of teams and organisations, and their budgeting and resourcing.

So, what is the intrinsic value that big pharma companies have found in rethinking the way their business is structured to reflect this new approach? There are a number of clear advantages to thinking ‘portfolio first’.

The first benefit that always springs to mind is that this must help drive a financial advantage and, yes, a portfolio focus can often unlock financial opportunity to create synergies across brands; not just with people and teams but also through investment and resource allocations with a subsequent impact on ROI. Basically, where the synergy is possible due to common ground, the business will leverage the same resources across different brands, embracing a more efficient approach.

A second, but no less important benefit is the focus portfolio strategies can achieve. Creating and managing a P&L for a portfolio certainly helps the process of prioritisation, which can be very challenging when considering individual brand strategies. With a brand strategy approach, each brand team will always emphasise how critical some activities are versus other brands. We have heard that this has even led to bitter arguments about budget within different brand and functional teams, but if there is ever any competition to be had, it should always be external and not from the person at the next desk!

But not all the benefits of a portfolio approach are internal – there are some very strong external and customer-focused benefits.

By putting ourselves in the customer’s shoes, we can realise how much further ahead healthcare professionals are in the way they see the portfolio versus brands. Healthcare systems need to look across populations, with many patients experiencing multiple (and often unconnected) health issues and conditions at the same time. We should be working collaboratively at a portfolio or disease level so that we are being exposed to the ‘real-world’ challenges of health population management and the value our solutions can offer rather than remaining focused on programmes connected to just one brand. That isn’t to say that there isn’t still a role for understanding more about specific brands and who would benefit from each, but we also need to elevate our gaze to a longer-term, portfolio or disease-focused set of solutions.
There are a number of companies making some very smart decisions about portfolio and disease offerings and engagement and are reaping the benefits of enhanced relationships and reputation, as well as experiencing commercial gains from this strengthened customer engagement.

We should be honest here and make it clear that there can be a lot of pain before a company or team is able to appreciate the gain of a portfolio strategy. The component brands within a company portfolio may have been developed in near isolation from the rest of the assets and brands produced by the company. This is when it can sometimes feel like trying to push two repelling magnets together. The scientific narrative of the component brands can feel awkward and disconnected, the budgets may be maintained separately, resources can be duplicated and require untangling, team objectives and incentives can be counter-intuitive to a portfolio or disease approach and so the list goes on. It can often require a full company transition, as a local country team attempting this transition alone may find itself disconnected from its affiliate structure and policies, let alone distanced from regional and global teams.

If you are not scared off after the list above, our recommendation on how and where to start is always to look at the vision of what this could be and build that collaboratively with the impacted team. If we were to be successful in developing and implementing a portfolio strategy, what would that mean to our team, our company, customers and healthcare systems, patients and carers and, ultimately, society? How would this feel? What would we be able to observe? Once this longer-term view is mapped out, the team can explore what will stop or slow this progress, what will need to change, what will enable change, and so on, as the
plan for how to transition becomes clearer.

Brand strategy will always be needed. Even within a wider portfolio or disease strategy, it is always important to know the component parts and what is needed to maximise all parts that make up the whole. However, sometimes by working to connect the brand ‘magnets’ together we can build extraordinary structures that help us realise the internal and external benefits to be gained.

Maxine Smith is Managing Director and Laura Fontana Sabatini is a Senior Consultant, both at Uptake Strategies

Tue, 29 Nov 2022 19:48:00 -0600 en text/html https://www.pmlive.com/blogs/smart_thinking/archive/2022/maxine_smith/developing_a_portfolio_strategy
Killexams : Avoid Innovation Myopia By Focusing On Portfolios

Innovation & Product Enterprise Practice Manager at AWS - Re-Inventing companies to become Product Driven, Innovative and Customer Centric

As an innovation and product thought leader, I get pulled into many related opportunities where companies are looking to Excellerate their growth trajectory or maintain market share and dominance. The early conversations and discovery processes frequently reveal that whether through organic growth, M&A, environmental shifts or pivoting strategy, the product portfolio is strained, the operating model is not fit for purpose and there are differing views as to why and how to fix it. What commonly happens then is the initiation of a new innovation project to drive growth. Thus begins the journey with the annexation of a team to focus on an innovation opportunity augmented by consultants.

The new team gains some notoriety within the organization, explores the problem and eventually produces a prototype or MVP. Management teams compare how well this team has obtained results compared to their existing workforce—many times with contempt now for the existing workforce that didn't produce the result or could have produced it in the same short time. This moment is celebrated, press releases are formed, and people feel great about their achievement—whether or not the experiment actually implemented the top line. Then, the consultancy firm might go off and repeat the program with another customer while the original customer is left to pick up the pieces of the deflation in the division it can leave behind.

I'm not saying this scenario is inevitable, but it is common. I've seen this method launch many new products well, but the problem is that this approach doesn't really yield a long-term impact to sustain growth or innovation. This is a tactical innovation response, not a strategic one. Tactical innovation solves a very targeted need for a specific problem but doesn't solve the problem of developing a lasting innovation capability that is repeatable across a wider company. For that, you need a strategic solution that looks at your wider portfolio underpinned by vision, leadership, culture and the supporting mechanisms and ways of working.

To transform, you need to think bigger and look at your portfolio—an approach that doesn't just solve the problem of today and tomorrow but will help you create long-term success by developing innate capabilities for perpetual innovation. The following three areas can support you in targeting that journey.

1. Review and transform your operating model.

To create a sustainable and scalable solution for innovation to thrive, you need to actively measure and manage your operating model. An operating model in this context involves the organizational design, culture, people, processes, mechanisms, rewards/incentives, governance and more. This operating model will likely benefit from taking a product alignment approach centered around the customer (product operating model), where divides between functions are diminished. That means a unified operating model where business and technology functions work as one to create, measure and maintain customer and business value.

When evaluating your existing operating model and assessing innovation and product capabilities, don't shortcut the process. Context matters, and spending the time to interview teams, leaders and customers as well as reviewing existing governance is a timely but worthy endeavor.

2. Map your portfolio and connect your organization.

A common observation across countless enterprises is the inconsistency or absence of effective portfolio management as well as subsequent processes and interfaces to connect your board-level visions and strategy to delivery and execution performance. The ERP can be a fountain of knowledge for financial performance but often fails to merge related data from operations and/or has restricted access to the confined employees under the CFO with permitted licenses. Fragmenting that further, the CRM, IoT platforms and other EPM solutions are biased to the view of the function that manages them, and it's rare that a consolidated view of the product portfolio is in place and managed as a cross-functional team.

To architect meaningful and strategic product portfolios, it's vital that time and effort are spent putting in place and managing a coherent product and platform taxonomy—thus ensuring that the portfolio can be measured and compared fairly but also extended with a product lifecycle governance framework underpinning the portfolio itself. This lifecycle governance can allow you to strategically manage and understand how innovation strategy is performing by applying contextual governance for performance and investment at lifecycle stages. With this in place, you should be looking to have a versatile organization and portfolio that is highly capable of business model exploration and discovery using innovation accounting and is distinctly different and equally good at executing said business models as well as looking for incremental growth and adjacency.

3. Implement transformation and portfolio management teams for a lasting effect.

With an evolved product operating model, new portfolio management capabilities and a path of implementation in place, success will depend upon sustaining change beyond the first state change. A transformation team that can help implement and support a change will be required, with the supporting goals to incentivize change distributed through the related areas. Beyond that, it's recommended that cross-functional product investment councils are established to actively manage and maintain the product taxonomy, portfolio and lifecycle. This can be layered in the organization if needed from the business unit to regional or divisional elements—ultimately reporting to a board-level equivalent.

Thinking beyond the tactical to include a strategic response to innovation and growth is not for the faint-hearted, but it can likely yield much wider and longer-term financial results. That's not to say that ways of working to Excellerate the tactical capabilities to innovate are not required, but what's most important is to elevate up from product to portfolio. Thinking about how you transform and sustain innovation at a portfolio level can allow you to spread innovation across the market and govern in a more adaptive way, making your organization as a whole more agile, innovative and opportunistic.


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Sun, 06 Nov 2022 10:00:00 -0600 Craig Strong en text/html https://www.forbes.com/sites/forbestechcouncil/2022/11/07/avoid-innovation-myopia-by-focusing-on-portfolios/
Killexams : It's been a volatile year for the market: These are the key things to know before rebalancing your portfolio

After a volatile year for the stock and bond markets, it may be time to rebalance your portfolio by shifting assets back to match your original goals, according to experts.  

As of Nov. 28, the S&P 500 Index was down roughly 17% year-to-date, and the U.S. bond market has dropped by around 13%, leaving many investors with significantly different allocations than one year ago.

Typically, you choose an initial percentage of stocks, bonds and other assets based on risk tolerance and goals, said certified financial planner Anthony Watson, founder and president of Thrive Retirement specialists in Dearborn, Michigan. 

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But as the markets fluctuate, the allocation of each type of asset may shift, and without periodic rebalancing, "the portfolio starts to look very different," he said.

For example, if your target is 50% stocks and 50% bonds, those percentages could eventually drift to 70% stocks and 30% bonds, which is "far riskier" than the original allocation, Watson said.

How to know when to rebalance your portfolio

The big piece that can come with rebalancing your portfolio is tax-loss harvesting.

Ashton Lawrence

partner at Goldfinch Wealth Management

You can rebalance with new contributions, including reinvested dividends, or by trading one asset for another. Watson generally considers aggregate investments across all accounts and makes the necessary changes in tax-deferred or tax-free retirement accounts. 

However, rebalancing in taxable brokerage accounts may provide other opportunities, particularly in a down market, experts say.

"The big piece that can come with rebalancing your portfolio is tax-loss harvesting," which allows you to offset profits with losses, said Ashton Lawrence, a CFP and partner at Goldfinch Wealth Management in Greenville, South Carolina.

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While the average investor may save tax-loss harvesting for year-end, there have been "several opportunities" throughout 2022 amid the stock market volatility, he said. 

Reconsider your risk tolerance

Regardless of your portfolio changes, Lawrence said it's important to consider the current economic conditions, including what's expected to come. 

"You should always double-check your risk tolerance," he said, explaining that investors are typically more willing to accept risk in a bull market and tend to become "extremely risk-adverse" in a bear market.

Tue, 29 Nov 2022 05:51:00 -0600 en text/html https://www.cnbc.com/2022/11/29/what-to-know-before-rebalancing-your-investment-portfolio.html
Killexams : What to Do When You Can't Stop Thinking About Someone What to Do When You Can't Stop Thinking About Someone © Getty / JGI/Jamie Grill What to Do When You Can't Stop Thinking About Someone

If you've ever been unable to stop thinking about someone, you know how accurate the phrase "living in your head rent-free" really is. Try as you might, all roads lead back to that person, often a crush, an ex-partner, an ex-friend, or an annoying coworker or acquaintance. Wondering when you'll see them next; dreaming up future conversations; rehashing and revising past interactions; thinking up reasons to text them; checking and rechecking their social media accounts; finding ways to bring them up in conversations with mutual contacts, whether it's to vent or gush about them - the thoughts can feel all-consuming and exhausting. If you've ever been in this situation, you've likely wanted to know how to stop thinking about someone.

The truth is, there's no single magic strategy for how to stop thinking about your ex when their side of the bed is empty at night, or your ex-BFF when their side of the text convo is a dead end, or that coworker when you're butting heads every week. It takes intentional work - and a little understanding about why that particular person is running circles in your mind.

So, we asked mental health and relationship experts to share why we sometimes can't get someone off our minds, how to know when it's becoming an issue, and how to stop thinking about someone once and for all.

Why You Can't Stop Thinking About That Person

If the person living rent-free in your brain is a crush, attraction is likely playing a role in why you can't stop thinking about them. It feels good to think about the things you admire about someone and to daydream about a future relationship; to some extent, the same holds true for a platonic attraction as well.

But if the person you're preoccupied with is an ex or someone who rejected you, you may be grieving, says Eliza Boquin, MA, LMFT, a licensed relationship and sex therapist. "It's quite typical to go through a grieving process [after a breakup]. You don't necessarily have to be with someone for a long time, but the intensity of how you felt might determine how long it takes to get over that person," she says. If you didn't have a feeling of closure - if someone ghosted you or ended things suddenly, for instance - your thoughts are especially likely to start spiraling. "Our brain works in patterns to make sense of things, and when you don't have a lot of resolution, it can make it really difficult to move on," Boquin says.

Separating from someone you're attached to can even cause symptoms of withdrawal, including difficulty sleeping, eating, and depression, according to a 2019 study. It's a big deal, and it makes sense that it may be hard to get past. But the 2019 research found that people who reported more rumination on a romantic or platonic breakup generally found it harder to emotionally adjust afterward. The same may hold true for a rejection too.

Anxiety could also factor into why you can't stop thinking about someone, including an ex, an ex-friend, or a crush. People with attachment anxiety, for instance, tend to spend more time ruminating, according to a study in the journal Personality and Individual Differences, and that can affect relationships other than romantic ones.

When Thinking About Someone Can Become a Problem

It's common to think a lot about a new crush, a recent ex, or even a potential friend or new coworker. Often, these thoughts pass on their own. But generally, if your thinking is bothering you, it's a problem.

Uncontrollable, obsessive thinking can be a red flag for an anxiety disorder or obsessive-compulsive disorder, says Rachel Sussman, LCSW, a dating and relationship expert and the author of "The Breakup Bible." There's even a type of OCD called relationship OCD, which is characterized by thoughts and behaviors relating to a relationship. If you suspect anxiety or OCD is playing a part in your thinking, it's important to see a licensed medical professional for proper diagnosis and treatment.

Even if your symptoms aren't being caused by OCD or anxiety, ruminating about a specific person often goes hand in hand with self-blame - such as blaming the end of a relationship solely on yourself - which could impact your self-worth, confidence, and even productivity in your day-to-day life at work or in school, Boquin says. Rumination can also cause you to isolate yourself from other relationships with family and friends, which lets the stubborn thoughts take up even more space in your brain.

Some clear-cut signs that you're thinking about someone too much include: it's been more than six months since the thoughts started; your friends mention being bothered by how much you're mentioning someone; you're having trouble sleeping or eating, or the thoughts are generally getting in the way of your daily life; you're feeling anxious or depressed. "If you find yourself crying a lot and having low energy, it might be a red flag that you need to seek out professional support," Boquin adds. Friends and family can be helpful, but talking to a therapist or counselor is also often beneficial, she says: "It's important to have a lot of support systems and a lot of different resources to process."

In addition to seeking support from loved ones or professionals, the experts suggest the following strategies for evicting someone who's been squatting in your mind.

How to Stop Thinking About Someone

Don't try to stop thinking about someone too soon

You can't forget about a person immediately, especially if you're talking about a breakup. (If you don't know why trying to erase your memories ASAP is a bad idea, consider watching "Eternal Sunshine of the Spotless Mind.") First, "make sure you've talked through the breakup with a good friend or someone who's been through a breakup or a professional to help you process," Sussman says. Same goes for other situations, including being rejected by a crush, having a friendship end, or having a frustrating interaction with a coworker. While you're in that processing stage, surround yourself with healthy coping tools: exercise, spending time with friends, and getting enough sleep, Sussman suggests.

Notice your thoughts, and honor what they're bringing up

If you're past that early stage and still having trouble getting that person off your mind, don't just try to suppress the thoughts. Instead, take the time to embrace and identify your emotions around the person every time a thought about them pops up, says Boquin. Do you feel guilt? Anger? Sadness? Confusion? "The reason acknowledging our emotions works is because this is how we process our emotions," Boquin says. The more you try to push away what you're really feeling, the more difficult it is to release those emotions (and you may cause emotional blockages in other relationships with loved ones in the process), which is part of letting go, she says.

Reframe your thoughts

After noticing your thoughts and labeling your emotions, provide yourself a positive affirmation, such as: "I'm doing the best I can," "This is really hard," or "This is temporary, and at some point I will move through this," Boquin suggests. If self-blame is a recurring loop in your head, consider telling yourself, "I did the best I could in the moment," she says. Also try shifting your thinking toward the future, and what you've learned that you'll bring into your next relationship, such as communicating more clearly.

Block, block, block the person

Across the board, the experts agree that you need to cut off all forms of contact with the person you can't get off your mind, so you can minimize your chances of Insta/TikTok/Facebook/Twitter/Reddit/BeReal trailing them. Checking in on someone's socials will only allow the obsessive thoughts to continue (that's just science). This step is especially important if you're trying to stop thinking about an ex who's moved on more quickly than you. "Looking them up will only exacerbate the anxiety," Sussman says. Going zero contact is about learning what life is like without that person, Boquin adds.

Ground yourself in reality

When the person does pop into your head, rather than following the same old path of thoughts - whether that's being regretful over a relationship ending, being wistful about what never was, being angry about an altercation, or something else entirely - try to consider a more balanced view of the person. If that person is an ex, for example, remind yourself of their flaws, Boquin suggests. If it's a crush who rejected you (directly or indirectly), reassure yourself that their taste in partners was a mismatch - it can be hard not to take that personally, but the person who's meant for you will be passionate about you, not lukewarm. In some cases, the balanced view might include some positives about the person in question: if you can't stop thinking about a coworker who gets under your skin, it may be helpful to remind yourself of the value they bring to your company or a time they helped you, for instance.

Celebrate your mini wins

Got through half a day without thinking about them? Hey, good for you - celebrate that and keep the momentum going, Sussman says. Also, as your mood and confidence lift and you become more comfortable taking care of yourself again, consider making it a priority to meet new people. That might mean dating again or just getting back into socializing, she says. As you meet new faces and reconnect with old friends, you'll have less mental space to spend on that person - and more of your thoughts will go toward people and things that lift you up, instead.

Thu, 10 Nov 2022 07:49:00 -0600 en-US text/html https://www.msn.com/en-us/health/wellness/what-to-do-when-you-cant-stop-thinking-about-someone/ar-AA13Y3FW Killexams : Clouded Thinking That Could Be Costing Us

Sponsored Post: It could be time to start examining our growing reliance on public cloud platforms. Let’s start by asking a few honest questions about the true value of the cloud model. About how much it is really costing us, what it delivers versus what it promises, and whether all the messages coming out of the powerful public cloud sector make good business sense for everyone.

This candid and probing approach to cloud is at the heart of a new movie from independent film production company Dark Matter. Called Clouded and backed by tech vendors HPE and VMware, the film takes an ‘anthropological look’ at the culture of the cloud industry.

Cloud, of course, is an umbrella term that takes in a multitude of technologies and usage modes. And that might be part of the problem. One of the central issues the film identifies is that the complexity of today’s cloud deployments is making it hard to draw clear-eyed economic conclusions about their real value. Ironic, given that simplicity has always been one of cloud’s selling points.

Are organisations being seduced into moving essential applications from on-prem to a public cloud platform, but then not realising the efficiencies and savings that they were promised? It may just be, contends Clouded, that the sheer ease of the initial service procurement has blunted the rigour which IT departments once applied to every tech decision by default. Perhaps the avalanche of hype and the sugar rush of outsourcing all that responsibility have muddied judgments and obscured initial objectives.

Our reliance on the cloud, far from being soberly measured and questioned, appears to be galloping ahead like a runaway horse. Tech analyst firm Gartner says that as much as 45 percent of global IT spend will be on public cloud by 2026, up from less than 10 percent in 2018.

The film also shines a spotlight on the cartel of hyperscalers that dominate the market. The three main players – Google, AWS and Microsoft – arguably enjoy too much market power. UK regulator Ofcom seems to think so. It’s set to scrutinize the country’s £15 billion cloud services market, warning it will act if competition concerns are identified.

We should probably also consider whether these public cloud monoliths have answers for the growing concerns around data and cloud sovereignty that are troubling organizations all over Europe. And what about the exponential growth in compute now needed at the network edge? Do ‘cloud first’ strategies based around highly centralized pools of critical data play well within that scenario?

It might be preferable, posits the movie, for tech and compute decisions to be based around intended outcomes rather than a default cloud-centric technology policy. Surely a hybrid model, encompassing both on-prem and distributed cloud tech, is the most sensible stratagem.

You decide – Clouded had its premiere on the 18th of October at London’s Ham Yard Hotel and you can watch a trailer here.

Sponsored by HPE & VMware.

Tue, 15 Nov 2022 20:42:00 -0600 Guy Matthews en-US text/html https://www.nextplatform.com/2022/11/16/film-shines-light-on-clouded-thinking-that-could-be-costing-us/
Killexams : Dividend Harvesting Portfolio Week 90 Update: $9,000 Allocated, $670.24 In Projected Annual Dividends
Little piggy banks on ascending stacks of coins

PM Images

This was a relatively flat week as the S&P 500 declined by -0.46%, while the Nasdaq declined -0.74%. Week 90 has come to an end, and the Dividend Harvesting Portfolio's invested retraced to $8,862.08, down -1.53%. In week 89, the Dividend Harvesting Portfolio put itself in a position to cross over back into positive territory but came up a bit short. That's perfectly fine as I continue to allocate $100 each week toward this project, reinvest each dividend that is generated, and increase my projected annual income.

Nobody knows when the market will turn, but the Dividend Harvesting Portfolio has proven it can withstand volatility and not break down during a bear market. By sticking to my investment principles, being well diversified, and not overextending into a single position or sector, the Dividend Harvesting Portfolio has allowed me to sleep well at night and generate income every week throughout 2022.

Alright, week 90 has ended, which was reader suggestion week. There were some really good suggestions made, and some interesting ones are still on my watchlist. The new additions to the Dividend Harvesting Portfolio are the Schwab U.S. Dividend Equity ETF (SCHD), and PIMCO Dynamic Income Opportunities fund (PDO). I had some capital left over from last week, and with the remaining cash after adding SCHD and PDO, I added an additional share of New York Community Bank (NYCB).

The Dividend Harvesting Portfolio is now generating $670.24 in projected annual income, which is a forward yield of 7.56%. I have collected $414.48 from 462 individual dividends in 2022. I have 12 positions that are generating at least 1 share per year from their dividends and another 13 positions generating between 50-90% of their share value annually through dividends. Over the next several weeks, unless something catches my eye, I am going to focus on getting at least 8 of these positions to the point where their annual dividend income generates at least 1 new share annually. Once these 13 positions all cross over the 100% threshold, I plan on focusing on the bottom half of the portfolio and amplifying the snowball effect.

Portfolio

Steven Fiorillo

I allocate capital toward big tech, funds, dividends, and growth outside of my retirement accounts. These are not my only investments, but I did open a separate account, so I could easily track and document this series. I intentionally created broad diversification throughout the Dividend Harvesting portfolio so I could benefit from sector rotations and mitigate my downside risk. Investors who are too exposed to growth companies or large-cap tech have gotten crushed as the investment landscape changes. On the growth and tech side of my investments, I am feeling the pain as some of my favorite companies, including Alphabet (GOOGL, GOOG), Amazon (AMZN), and Meta Platforms (META), have been taken to the woodshed.

I am going to address a question that continues to surface. I am not trying to beat the market with this portfolio. I love index funds and am invested in several index funds. I love dividend investing due to the stream of cash flow it generates. I don't want 100% of my assets outside of real estate tied to an S&P index fund. I have created a personal investment strategy that works to achieve my investment goals, and having a stream of income generated from dividends is part of my investment strategy. Low-cost index funds are one of the best investments anyone can make in my opinion, and the Dividend Harvesting portfolio is not meant to be a substitute for an index fund. I have read many questions about dividend investing and wanted to start a portfolio from the ground up and document its progress to disprove many misconceptions, including that you need a large amount of seed capital to make dividend investing work for you.

This series has never been about hitting a target yield, generating a certain amount of profit, or beating the market. I had two specific goals with this series. The first was to create a blueprint for constructing a dividend portfolio by documenting the journey starting from the beginning. The second goal was to illustrate how allocating capital each week toward investing, regardless of the amount, would be beneficial in the long run.

Too many people are under the illusion that you need tens of thousands or even hundreds of thousands to benefit from investing. Instead of using my real dividend portfolio as an example, I decided to start a new account, fund it with $100, and add $100 weekly, providing a step-by-step guide to dividend investing. This methodology doesn't have to be used for dividend investing, and it could be as simple as an S&P index fund or a Total Market fund. Hopefully, this series is inspiring people to invest in their future to attain financial freedom.

A Historical Recap of the Dividend Harvesting Portfolio's Investment Principles and Historical Performance

Investment Objectives

  • Income generation
  • Downside mitigation through diversification
  • Capital appreciation

Below are the fundamental rules I have put in place for this Portfolio:

  • Allocate $100 weekly to this Portfolio
  • Only invest in dividend-producing investments
  • No position can exceed 5% of the Portfolio
  • No sector can exceed 20% of the Portfolio
  • All dividends & distributions are to be reinvested

Below is a chart that extends from week 1 through the current week to illustrate the Dividend Harvesting Portfolio's Progression

  • Blue line is my initial investment $100 in week 1, $1,000 in week 10, etc.
  • Red line is the account value at the end of each week
  • Yellow line is the annual dividend income the Dividend Harvesting Portfolio was projected to generate after that week's investments and dividends reinvested
Performance

Steven Fiorillo

The Dividend Harvesting Portfolio Dividend Section

Here is how much dividend income is generated per investment basket:

  • Equities $210.38 (31.39%)
  • ETFs $156.08 (23.29%)
  • REITs $134.65 (20.09%)
  • CEFs $128.35 (19.15%)
  • BDCs $40.58 (6.06%)
Dividend

Steven Fiorillo

Dividend

Steven Fiorillo

Collecting dividends can serve many functions in a portfolio. Some investors utilize dividends to supplement their income and live off. I am building a dividend portfolio for myself 30 years into the future. Since I am reinvesting every dividend, they serve multiple purposes today. In 2022 alone, I have collected $414.48 in dividend income from 462 dividends across 46 weeks. This has allowed the Dividend Harvesting portfolio to stay in the black while growing the snowball effect.

These dividends allow me to gain additional equity in my investments while increasing my future cash flow in down markets. This style of investing isn't for everyone, but if you're looking to generate consistent cash flow while mitigating downside risk, this method has worked for me. I am hoping to collect between $450 and $500 in dividends in 2022, which will be reinvested, and finish the year generating >$700 in annual dividends.

Dividend

Steven Fiorillo

October is in the books, and Thanksgiving is almost here. I am excited for 2022 to come to a close so I can see how much dividend income was generated and what the remaining YoY numbers look like.

Dividend

Steven Fiorillo

The Dividend Harvesting Portfolio added 2 positions in week 90. SCHD pays a quarterly dividend, while PDO pays its dividend monthly. The Dividend Harvesting Portfolio now has 604 individual dividends flowing through its portfolio on a weekly basis. When I look at the grid below, it's surreal, and I am excited to see what it looks like this time next year.

Dividend

Steven Fiorillo, Seeking Alpha

The goal of generating enough income from the dividends to purchase an additional share per year has been the never-ending project of this portfolio. There are now 12 total positions generating at least 100% of their share value in dividends within the Dividend Harvesting portfolio. This could fluctuate due to market volatility, but I am looking to have as many positions generating at least 1 share annually from their dividends as I can.

Dividend

Steven Fiorillo

The Dividend Harvesting Portfolio Composition

Many of the readers have asked if I could break down the individual positions within these sectors. I created pie charts for each individual sector and have illustrated how much each position represents of that sector of the Dividend Harvesting portfolio. Since I only have 1 position in Food & Staple Retailing and Industrials, I did not make a chart for those. 3M (MMM) and Walgreens Boots Alliance (WBA) represent 100% of those sectors. The charts will follow the normal portfolio total I have constructed. Please keep the ideas coming, as I am happy to add as much detail to this series as I can.

Potfolio

Steven Fiorillo

In week 89, REITs remained the largest segment and grew a bit closer to my 20% threshold for an individual sector weight within the Dividend Harvesting Portfolio. Individual equities make up 45.43% of the portfolio and generate 31.39% of the dividend income, while exchange-traded funds ("ETFs"), closed-end funds ("CEFs"), real estate investment trusts ("REITs"), business development companies ("BDCs"), and exchange-traded notes ("ETNs") represent 54.57% of the portfolio and generate 68.461% of the dividend income.

I have a 20% maximum sector weight, so when a singular sector gets close to that level, I make sure capital is allocated away from that area to balance things out. In 2022, I will make an effort to even out these portfolio percentages. As more capital is deployed, the bottom half of the portfolio weighting will increase.

Industry

Investment

Portfolio Total

% of Portfolio

REIT

$1,600.19

$8,862.08

18.06%

ETFs

$1,529.18

$8,862.08

17.26%

Closed End Funds

$1,238.21

$8,862.08

13.97%

Oil, Gas & Consumable Fuels

$824.60

$8,862.08

9.30%

Technology

$627.41

$8,862.08

7.08%

Communication Services

$588.45

$8,862.08

6.64%

Financials

$566.72

$8,862.08

6.39%

Consumer Staples

$562.81

$8,862.08

6.35%

BDC

$461.79

$8,862.08

5.21%

Utility

$260.41

$8,862.08

2.94%

Pharmaceuticals

$240.72

$8,862.08

2.72%

Industrials

$130.94

$8,862.08

1.48%

Independent Power & Renewable Electricity Producers

$104.52

$8,862.08

1.18%

Food & Staple Retailing

$119.77

$8,862.08

1.35%

Cash

$4.24

$8,862.08

0.05%

REIT

Steven Fiorillo

ETF

Steven Fiorillo

CEF

Steven Fiorillo

Oil

Steven Fiorillo

Financials

Steven Fiorillo

Communications

Steven Fiorillo

Consumer Staples

Steven Fiorillo

Technology

Steven Fiorillo

BDC

Steven Fiorillo

Utility

Steven Fiorillo

Pharma

Steven Fiorillo

Renewable

Steven Fiorillo

In week 90, INTC retained the top spot as the largest allocation in the Dividend Harvesting Portfolio. INTC going above $30 has pushed it close to my 5% threshold, as it's now 4.45% of the Dividend Harvesting Portfolio. I will be paying close attention to this as the week's progress.

Top 10

Steven Fiorillo

Week 90 Additions

In week 90, I added the following positions to the Dividend Harvesting Portfolio:

  • Schwab U.S. Dividend Equity ETF (SCHD)
  • PIMCO Dynamic Income Opportunities fund (PDO)
  • New York Community Bank (NYCB)

Schwab U.S Dividend Equity ETF

  • SCHD has been recommended by numerous readers throughout the series. I am currently a shareholder of SCHD on the ETF side of my portfolio, and SCHD has now found a new home in the Dividend Harvesting Portfolio. It's hard to go wrong from a dividend perspective with SCHD. SCHD has a forward yield of 3.22%, and has increased its dividend for 9 consecutive years. Investors have been rewarded through a dividend growth program that has a 12.10% average growth rate over the past 5-years.

PIMCO Dynamic Income Opportunity Fund

  • I ended up adding PDO to add a further layer of diversification and expand my investment base outside of individual investments I can make on my own. PDO is a fixed-income, multi-sector CEF that focuses on high-conviction income-generating ideas across credit markets to seek current income as a primary objective and capital appreciation as a secondary objective. The fund will normally invest at least 25% of its total assets in mortgage-related assets issued by government agencies or other governmental entities or by private originators or issuers. The fund may invest up to 30% of its total assets in securities and instruments that are economically tied to "emerging market" countries; however, the fund may invest without limitation in short-term investment-grade sovereign debt issued by emerging market issuers. The fund may normally invest up to 40% of its total assets in bank loans (including, among others, senior loans, delayed funding loans, covenant-lite obligations, revolving credit facilities, and loan participations and assignments).

New York Community Bank

  • I had around $14 left in the account, and NYCB is on the list of companies I am trying to increase its annual dividend income from to generate at least 1 share per year from its dividends. I wanted to own more of NYCB anyway, so it worked out.

Week 91 Gameplan

I am leaning toward Owl Rock Capital Corporation (ORCC), Omega Healthcare Investors (OHI), and the Global X S&P 500 Covered Call ETF (XYLD) in week 91.

Conclusion

I really enjoyed the suggestions in the weeks leading up to week 90 and added SCHD and PDO to the Dividend Harvesting Portfolio. The Dividend Harvesting Portfolio is now generating over 600 individual dividends annually and is on its way to exceeding $700 in projected annual income. I am looking forward to how this project progresses and finishes in 2022. Please leave me suggestions for new positions and sections of the article below.

Thu, 24 Nov 2022 01:26:00 -0600 en text/html https://seekingalpha.com/article/4559440-dividend-harvesting-portfolio-week-90-update
Killexams : A portfolio loan may be easier to qualify for than a conventional mortgage, but you'll probably pay more

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